What Is Homeowner's Insurance?

user warning: Got error 28 from storage engine query: SELECT t.* FROM ag61_term_node r INNER JOIN ag61_term_data t ON r.tid = t.tid INNER JOIN ag61_vocabulary v ON t.vid = v.vid WHERE r.nid = 118 ORDER BY v.weight, t.weight, t.name in C:\www\webroot\agencysolutions\includes\database.mysql.inc on line 172.
Get a Quote on Your Home

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

What is in a standard homeowners policy?

Some Content Provided By: © Insurance Information Institute, Inc. - Used With Permission ALL RIGHTS RESERVED -